thank you, bob. i could feel your distress as john was up here speaking about the -- i was afraid he might refer to the internets, and we might have to give him the hook. john told you he's over 50, i'm slightly over 50. [laughter] and back in our day between was part of the song rockin' robin, remember little michael jackson used to sing that. [laughter] now it has a much more respectable pedigree. [laughter] thank you, all of you, for inviting me here to be with you today. because of what you do every day, fighting to improve the lives of the nation's most vulnerable and underserved consumers, you are my personal heroes, and you set an important example for everyone at the consumer financial protection bureau. john and the board were asking me before coming out here for the breakfast what they can be doing to help us do our work, and what i said was you can just keep doing what you already do which is advocating, speaking up and working for the people who need our help the most in this economy, the